The bill amends the Oklahoma Employees Insurance and Benefits Act, specifically Section 1308.3, to modify the opt-out provision for state health insurance. The amendment removes the requirement for employees to be covered by a "group" health insurance plan in order to opt out of the state's basic health plan. Instead, employees can opt out if they are covered by any separate health insurance plan, allowing for greater flexibility in their insurance choices.

Additionally, the bill stipulates that employees who opt out will continue to receive life and disability benefits and will be compensated with $150 in lieu of the flexible benefit amount they would typically receive. Employees must provide proof of their separate health insurance coverage and sign an affidavit confirming their status each plan year. The act is set to take effect on November 1, 2025.